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MKTplace-use case: Commercial Credit

Spring Labs

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Partners

Spring Labs

Quantify Future Employment Risk with Income Stability Indicators

Key Benefits

  • Real-time indicators of micro and macroeconomic changes. Spring’s Employer, Geography and Industry (EGI) level future employment risk indicators allow lenders to systematically adjust underwriting in a dynamic economic environment, addressing key gaps in backward-looking credit scores.
  • Orthogonal data to optimize lending decisions. Spring’s Proprietary Entity Resolver makes previously siloed EGI level data accessible for real-time use in underwriting. Data sources include public records, third party APIs, 37M+ US business records for entity resolution, and firmographic data.

“ISI helps us identify blind spots in our existing models as well as safely serve new segments.”

DIRECTOR OF RISK FOR A LARGE, ONLINE, UNSECURED LENDER

Close Major Blind Spots With Real-Time Insights

pring Labs’ Income Stability Indicators (ISI) aggregates a vast array of data sources at the Employer, Geography and Industry levels to provide a more comprehensive risk profile. ISI data allow lenders to combine real time economic insight with traditional credit data

  • Use ISI for loss mitigation or growth, systematically adjusting score cutoffs, credit line assignment and pricing
  • Improve custom credit or fraud risk scores by including 300+ data fields as model inputs
  • Increase acquisition or portfolio marketing campaign effectiveness and ROI by targeting growing industries or geographies

Don’t leave blind spots in your underwriting – learn how ISI can help strategically grow your portfolio.

Resources

About Spring Labs

  • Services

    • Proprietary employer and industry resolution
    • 300+ micro and macroeconomic indicators
    • Employer, Geography and Industry Risk Indices
    • Additional income underwriting products on Income Misrepresentation and Peer Lender Verified Income / Employment

  • Countries Supported

    • United States

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dunBradstreet

Dun & Bradstreet

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Partners

Dun & Bradstreet

Driving Business Performance in Partnership with Dun & Bradstreet

Key Benefits

  • Gain market advantage with data and analytics expert. Dun & Bradstreet is a leading global provider of business decisioning and analytics. By uncovering truth and meaning from data, D&B connects customers with the prospects, suppliers, clients, and partners that matter most.
  • The world’s largest business information directory

    • Built on the internationally recognized D-U-N-S Number
    • Maintains accurate and timely info on more than 420 million global businesses
    • Commercial data to power sales and marketing, risk management, and supply chain solutions

Partnerships Driving Performance

By connecting Dun & Bradstreet’s data and expertise with Provenir’s risk decisioning platform, customers benefit from an enhanced view of business relationships. The partnership unlocks deeper insights for smarter, faster decision-making and provides simplified data access so businesses can take control of their local and global strategies.

Solutions: A Snapshot

About Dun & Bradstreet

  • Solutions

    • D&B Direct – delivering quick and reliable data for decision-making, management of regulation complexities, and ongoing monitoring so your onboarding time can decrease as efficiency and revenue increase
    • D&B Hoovers – find key sales prospects and opportunities for growth
    • D&B Onboard – corporate regulatory compliance made easier
    • D&B Credit – intelligent risk management for modern credit teams

  • Countries Supported

    • United Kingdom 
    • Ireland
    • Hong Kong
    • Taiwan
    • India
    • United States
    • Canada

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kompany

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Partners

kompany

kompany: Leading RegTech Platform for Global Business Verification and KYC

Key Benefits

  • Audit-proof your Business KYC compliance with worldwide coverage. With kompany, you rely exclusively on audit-proof company information that’s delivered in real-time, time-stamped and from the primary source. No other register network offers this level of coverage of primary sources for your Business KYC needs.
  • Digitize your onboarding processes while staying compliance. Our products and services allow for the instant verification of B2B customers and suppliers. They ensures compliance, improve client satisfaction and reduce costs while shortening time-to-first revenue.

“As kompany’s products and services are available via our Telebanking Pro platform, business customers of Erste Bank and Sparkassen now have direct access to official primary source registers. They can use real-time audit-proof company data and complete their compliance processes with just a few clicks.”

GEORG SCHRAMM, PRODUCT OWNER AT TELEBANKING PRO, ERSTE BANK DER OESTERREICHISCHEN SPARKASSEN AG

Truth is Better than Trust

The inception of kompany was the result of a seemingly simple concept: the desire to better verify companies worldwide and the people behind them. Today, we operate at the intersection of data, technology and regulation. Our global network provides real-time access to commercial registers and financial and tax authorities around the world, making us one of the few KYC providers who are fully able to satisfy the strictest due diligence requirements of the latest anti-money laundering legislation.

Our clients include regulated entities such as global banking groups, Big Four accounting firms, financial and payment service providers, Banking-as-a-Service platforms as well as multinational corporations. Based in Vienna, Austria, we are a government-licensed clearing house and official distributor for commercial registers in many countries around the world.

Resources

About kompany

  • Products

    • B2B onboarding
    • AML screening
    • Back-office automation
    • Perpetual KYB & monitoring
    • Seamless integrations into banking and payment platforms
    • Cross-border shareholder identification

  • Regions Supported

    • Our global register network connects to 200 countries and jurisdictions and covers over 115 million companies

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FinScore

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Partners

FinScore

FinScore, Alternative Credit Scoring Company

Key Benefits

  • Unleash the power of alternative data. FinScore Telco Data Credit Score is built on over 400 various telco variables such as top-up patterns, voice and mobile data usage, duration of calls, SIM card age, and many more, available through the long-standing partnership between FinScore and SMART Communications.
  • Cutting-Edge AI & Machine Learning Technology. Derived from cutting edge machine learning algorithms, FinScore Telco Data Score has extremely high predictive power and can be used as either a standalone model or in a combination with existing score models. We help banks and financial institutions to increase approval rates, manage risk resulting in reduction of loan defaults, and even reach the untapped, underserved markets.

Credit Scoring for All | Alternative Data Credit Scoring in the Philippines

FinScore is known to be the first fintech company in the Philippines to leverage alternative data, including telco data to score credit-invisible markets. Telco data is based on over four hundred (400) telco variable as data and voice usage, top-up patterns, location, and SIM age, among others. Combined with FinScore’s Machine Learning algorithms cutting-edge technologies, such as Gradient Boosting and Neural Networks, FinScore is proven to have a highly predictive scoring power. FinScore scoring models have powered the telco credit scores of over 3.5 million Filipinos and over USD 500 million worth of loans have been disbursed in the Philippines.

Resources

About FinScore

  • Products

    • Alternative credit scoring solutions
    • Data Analytics

  • Regions Supported

    • The Philippines
    • APAC

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Middesk

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Partners

Middesk

The New Standard in Business Identity

Key Benefits

  • 100% Coverage of Registered Businesses. Built on our own data infrastructure, Middesk provides complete and up-to-date data on every registered business across the United States.
  • Everything you need to know about a business’s identity. Get a complete and accurate view of your customers — entity names, officers, business addresses, TIN verification, watchlist screening, and more.

“With Middesk, what ordinarily would have taken us hours to do is now taking us minutes. We take pride in partnering with technology companies that help us serve our customers better.”

RADIUS BANK

The Complete and Modern Solution for Verifying Any Business

The way that businesses engage with one another has changed. Business owners expect instant onboarding to the products and services they need to establish and scale. Service providers manage an increasingly complex set of regulatory, reputational, and financial risks. Compounding these challenges is a shift away from face-to-face interactions in favor of high velocity, digital experiences. To meet this growing set of needs, service providers require new tools and data products that allow them to scale their processes for establishing trust with their customers.

Middesk’s mission is to make it easy for businesses to access the products and services that they need to grow and thrive. Our customers leverage our data services to build an intelligent and complete perspective on every business. Whether you’re looking to onboard businesses for payment processing, issue lines of credit, or simply open a new commercial account, Middesk can help you do it all with a toolkit designed for modern companies.

About Middesk

  • Services

    • Secretary of State Searches
    • Address Analysis
    • Web Presence Analysis
    • OFAC Watchlist
    • True Industry
    • EIN Verification

  • Countries Supported

    United States

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Finagraph

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Partners

Finagraph

Finagraph’s Strongbox Product Provides Decision-Ready Financial Intelligence from Business Accounting systems

Key Benefits

  • A simple connection experience for your customers. With APIs, the ready-for-use Strongbox widget, or a white-label experience, Strongbox makes it easy for your business customers to connect their accounting system for initial underwriting or loan monitoring.
  • Instant, decision-ready outputs for your credit team. Strongbox’s intelligent data pipeline transforms data with over 40 unique operations across four categories: normalization, validation, enrichment, utilization. The result is ready-to-use, reliable data outputs that can go right into your decisioning model.

“Strongbox is a breakthrough tool we use to better understand customers and deepen that relationship by providing a secure, simple, and easy way for customers to share their information.”

DUANE GOOD, PRESIDENT & COO OF TRIBAL CREDIT

Strongbox Transforms Data into Actionable Intelligence

When a lender wants to improve underwriting speed and loan portfolio performance, they turn to Strongbox.

Through a seamless connection process, borrowers can instantly send all financial statement data required for initial loan underwriting or ongoing monitoring.

Inside the Strongbox Intelligent Data Pipeline, each set of financials is standardized to your unique financial statement presentation, validated and enriched with lending metrics and trend analysis in seconds.

Lenders across the world trust Strongbox to consistently deliver quality financial data to protect their portfolio and grow margins and the bottom line.

Strongbox is built by the Finagraph, a team with 11 years of experience decoding accounting system data and working with lenders to build outputs that are decision-ready and have a high-impact for credit and risk teams.

Resources

About Finagraph

  • Services

    • Accounting System Connections – Integrations with the most commonly used systems by SMBs.
    • Data validation – A comprehensive set of 50+ checks to uncover missing or questionable financial data.
    • Intelligent Mapping – Business financial statements automatically mapped to your configured chart-of-accounts.
    • Comprehensive Analysis – Ratios, trending, vertical + horizontal analysis, cash flow, and more.
    • Cash Flow – A detailed cash flow statement and analysis built from transaction-level data to analyze risk.
    • TaxReader Add-on – In addition to accounting system data, accept borrower tax returns (business or personal) auto-mapped for decisioning.
    • Concierge-level support – Our team is dedicated to your success, providing implementation assistance, support, and training.

  • Countries Supported

    • United States
    • Canada
    • Australia
    • New Zealand

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Yoti

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Partners

Yoti

Robust, Flexible KYC and AML Solutions

Key Benefits

  • KYC solutions – get genuine customers through faster. No matter your company’s size, we’re here to make verifying customers easier for you. Our customizable verification tools give you the flexibility you need to deliver the perfect balance of speed and fraud prevention.
  • Enhanced KYC and AML checks. Complete KYC and AML checks in one integration. We offer additional checks for more robust customer integration including proof of address with a supporting document, third party data checks and AML watchlist and ongoing screening.

Verification for a Digital World

We created Yoti to give individuals a simple way of proving who they are, online and in person. We verify users to the highest security standards, using a flexible combination of world leading AI and expert security personnel according to your risk profile.

About Yoti

  • Services

    KYC

    • Data extraction
    • Document authenticity
    • Liveness
    • Facematch
    • Reusable digital identity
    • In person KYC checks (UK only)

    AML

    • PEPs and sanctions watchlists
    • Adverse media
    • Ongoing monitoring

    Age Verification

    • Facial age estimation
    • Reusable Digital ID

    eSigning

    • Authentication

  • Regions Supported

    • Global

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